On January 30, the Consumer Financial Protection Bureau issued its 2018 list of consumer reporting companies, which contains information regarding the nationwide consumer reporting agencies as well as companies operating in specialized areas such as employment screening, tenant screening, utilities, and gaming. The list includes the following:

  • Information to request a report. This includes the latest company name and contact information from the three nationwide consumer reporting companies (Equifax, Experian, and TransUnion) and dozens of specialty reporting companies.
  • New tips on which specialty reports might be important for consumers to fact-check depending on their specific situation.
  • Useful identity verification information about how consumer reporting companies try to make sure consumers are who they say they are.
  • Free reports guide. Companies on this list will provide information to consumers for free once every twelve months if requested.
  • Companies that will provide free scores along with free reports.
  • New security freeze information about how some of the consumer reporting companies will limit third-party access to consumer data if a consumer requests it through a security freeze.

Troutman Sanders will continue to monitor CFPB developments and provide further updates as they are available.